Smart Lifestyle Insurance Plan - a Smart Plan that grows with you

  • 01 loyalty sum assured
  • 02 bonus and additions
  • 03 death and maturity benefits

plan definition

A life insurance savings plan that keeps pace with your changing lifestyle. It offers you with increased benefits, protects your family from financial uncertainties and ensures that you are always a step forward from your financial worries. Introducing Edelweiss Tokio Life - Smart Lifestyle, a smart plan that grows with you wealth through regular bonuses and additions that also increase with your increased protection. UIN: 147N040V01

key features

1death benefit


On death of the Life Insured during the policy term, your nominee will receive the Death Benefit based on the option chosen.

For Base option - we will pay the Sum Assured on Death + Accrued Bonuses and Additions + Terminal Bonus and the plan will be closed.

For Family Protection Option – we will pay the Sum Assured on Death + at the end of the policy term, we will pay the Maturity Benefit.

2maturity benefit


At the end of your policy term, you will receive the following:

Sum Assured on Maturity +
Loyalty Sum Assured on Maturity +
Accrued Guaranteed Addition +
Accrued Reversionary Bonus, if any +
Terminal Bonus, if any

3loyalty sum assured


A unique feature which increases your Sum Assured every 5 years in the policy. All the Bonuses and Guaranteed Additions will also be calculated based on the increased Sum Assured.

4bonus and additions


Your benefits are enhanced with increased Bonuses and Guaranteed Additions which accrue every year for the entire policy term

5tax benefits


Under Section 80C and Section 10 (10D) of Income Tax Act, 1961.

Premium paid for Critical Illness Rider, if opted, may qualify for a deduction under Section 80D of the Income Tax Act, 1961.

Tax benefits are subject to change in the tax laws.


Riders can be added at the inception of the policy or at policy anniversary during the Policy Term subject to underwriting and terms and conditions of the riders and the product. Following riders are available with this plan.

additional resources

product brochure

download pdf

sample contract

download pdf

rate table

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product disclaimer


bonus rates

download pdf

customer testimonials

eligibility criteria

1 entry age (as on last birthday)
For Base Option

Minimum – 1 years 

Maximum – 50 years

For Family Protection Option

Minimum – 18 years 

Maximum – 40 years

2 policy term and premium paying term
Base OptionFamily Protection Option
Premium Paying Term Policy Term 
5 Years10 to 20 Years
7 Years10 to 20 Years
10 Years15 to 20 Years
12 Years15 to 20 Years
3 sum assured
Minimum Sum Assured On Maturity: 1,00,000

Maximum Sum Assured On Maturity: No limit, subject to underwriting
4 premium paying mode
Annual, Semi-Annual, Quarterly, Monthly#

# For Monthly premium payment mode, the policyholder needs to pay the premium for two months in advance on the date of the commencement of the policy. The premium so collected in advance will only be adjusted on the due date of premium.
5 minimum annualised premium
Mode / PPT5 Years7 Years10 Years12 Years
6 maturity age
For Base Option

Minimum – 18 years

Maximum – 70 years

For Family Protection Option

Minimum – 28 years

Maximum – 60 years

customer testimonials

customer testimonials

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